# FREMONT BANK
FREMONT, CA · FDIC certificate 19222 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.97B | |
| Deposits | $5.31B | |
| Loans and leases | $4.81B | |
| Total equity | $466.0M | |
| Loans / deposits | 89.22% (p56 of band) | 87.10% |
| Liquid assets / assets | 15.63% (p25 of band) | |
| Uninsured deposits / deposits | 46.30% (p85 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.68% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.35% (p5 of band) | 10.50% |
| Unrealized securities loss / equity | -8.58% (p46 of band) | -7.75% |
| AOCI / equity | -0.03% (p71 of band) | |
| ROA (annualized) | 1.15% (p41 of band) | 1.26% |
| Net interest margin | 4.09% (p73 of band) | 3.70% |
| Efficiency ratio | 73.37% (p85 of band) | |
| Noncurrent loans | 0.39% (p39 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p36 of band) | |
| Reserve coverage of noncurrent | 394.95% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 22.61% (p20 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 748 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 0 |  | brokered >10%, wholesale funding >15%, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | loans exceed deposits, liquid assets <10%, capital falling | uninsured deposits leaving |
| 2013-03 | 0 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits >50% |  |
| 2013-12 | 0 |  | uninsured deposits >50% |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2014-12 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2015-03 | 2 | uninsured deposits >50%, run vulnerability | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 | capital falling | run vulnerability |
| 2015-12 | 3 | run vulnerability |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | run vulnerability |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | run vulnerability |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | run vulnerability |
| 2018-12 | 2 | run vulnerability |  |
| 2019-03 | 1 |  | run vulnerability |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 3 | run vulnerability |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 3 | expense ratio p90 |  |
| 2020-09 | 3 | leverage <7%, capital falling | run vulnerability, expense ratio p90 |
| 2020-12 | 4 | run vulnerability |  |
| 2021-03 | 1 |  | leverage <7%, capital falling, run vulnerability |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 3 | leverage <7% |  |
| 2022-03 | 3 | expense ratio p90 | capital falling |
| 2022-06 | 3 | run vulnerability | leverage <7% |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | deposits shrinking | expense ratio p90 |
| 2023-06 | 2 | uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | capital falling | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-31 [Fremont Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5UQ1Q1eThmQnlUVHJLMk9OYkF6TXlqeFBaRk5TdDdwQjdlVUtTSmdkRHp2QVQ4SExMUkkyZDRqa3lOSk11Vl9iWHpxRWR2YmxWcFJmSHhGODliU2hwVC1XUFVudWxiWm9RdFZjbw?oc=5) · reveliolabs.com
- 2026-08-25 [The best regional banks in the Bay Area - SFGATE](https://news.google.com/rss/articles/CBMibkFVX3lxTFA1RVVHLTlZWUdkWnFEMHVMYWFvRmxTT1o0Um5taWN2NjgyQUllUld2bGxCTGFIN3l4THlxR0ZPZkh3V2ZpWXF6b0NjdnZyeE5qeGVXSlRCSGNNWGFnUEhnV0pwZFRmOFBpNl9OS3F3?oc=5) · SFGATE
- 2025-12-30 [Fremont Bank Foundation gives grants for 2025 - Tri City Voice](https://news.google.com/rss/articles/CBMifkFVX3lxTE5SQ2ZKS011aVg5S3Jzc1JQVHU0UThWNFRJWDRGRC1IX0lzeGNJWnIwTV84WnAtMjN2d1laUkV0T0w1LWlZTGd0R012UWh2STZweThoZ1NaLW14TDRzUW95OUhZTjVrZjg3N2pzaHhucEhYV2FyWndmT0h5MG5Rdw?oc=5) · Tri City Voice
- 2024-06-10 [Fremont Bank opens new headquarters and flagship branch in downtown Fremont, California - PR Newswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOWlhBeUpIT1JFbnRrM3hzellsbnRVQ1BQMlhWaHo1Q0dFVzllUl9LUWtnNDhPRHlpUzlpS3EwSWNRREFjaGROWWZpdThnTTNLMHRPVXcxTkhjOGl2YWQ3X1JkV2IwOFVjdU9kcGF5WV9BMFRvVUljZnQwRElmRzVBbGFubmlOYlBMU1JiYW9idnkyWWdaajAwTTQ3dlRXblR5OVJkTjdCREpIM0kxbXNSMkpBUGUxWGRGam90VDdGN1FkNy0tMU9fNkZXQW52OUJlcldEN215V1lzQQ?oc=5) · PR Newswire
- 2026-03-10 [Restaurant week kicks off with Dot - Tri City Voice](https://news.google.com/rss/articles/CBMibEFVX3lxTE5XRnhyY0FZQW9BQmtiS2ZUc2s1N05kZS1WUmM3cDZvYW9LVWNpVEY2VnJXcTc5ekhVVzVZd3ctVzkxOWdOYUVlVDZPX05pLVF3c3RQRjRIbmxEMmRiZHNKd1gxb1k4Q1ZuOXl1eQ?oc=5) · Tri City Voice
- 2024-06-06 [Downtown Fremont gets a face-lift - Silicon Valley Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMif0FVX3lxTE9mMWxVUWFHSllBMkYtdnBiMGJQS0o1a0tMVVUzRHdaMXRSN0I2R2VybTVjN095YktWTEp4NXlINjdNdjI5TnByZjVwczJxbXhFR09UN2s2WUFWU2Z0WDNOUzRnaXJJdlh0a2doQl83REdmaXlvNERGb3dnekZOQnc?oc=5) · The Business Journals
- 2024-03-13 [Fremont Bank Robbery Suspects Arrested By San Jose Police - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxNSXBkUlpkY0N3emdZUG03cDhZS000Skp4Y0V3VkJ2bkJJU2RVbU42UVFyR0xjRDE5aldmM2ZHWFdXM2x0WTFYZVBLWF9pYUlrcGRHd01UMXdXVndxTGpLcld6aXhwb2tCamJVOEU3LU5pRktkQ0pNcF95YURmMzBxOW9URTNfXzQzNmV0eEdzN3VjTlZvN3c?oc=5) · Patch
- 2021-06-18 [How Fremont Bank Taps Proactive Analysis To Improve User Authentication And Experience - PYMNTS.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOX213OWJrQjJLUlVDdXBIcHczWDlxSmtMckxORmd2aVpvUy1oZkc3VVhDa1N0TkN1a0RsenZyWjhtTXNSN3QwQVVNSXUxOGlXQmd6NlFpLXJzZWJrNl84d1RrZW1oUFZlaVFEdVZrejJfcVIydU9leFNXRlg4bFRSUmowNDJLTE5vNVgzUzViM3ZuaEgyUnlYRmFiMnFYZnZPejVUVEFiWFBDWlRJ?oc=5) · PYMNTS.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19222 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "19222", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide